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1、Chapter Sixteen,Bank Institutions,Learning objectives,After studying this chapter you should be able to: 1. Define the term “bank” 2. Tell the common classes of banks in the U.S. and in the U.K. 3. Describe the basic functions of the chief classes of the U.S. and the U.K. banks,Notes,I. New Words 1.
2、 establishment n. 企业a commercial business 2. to honour vt. 允准，承兑 3. to collect vt. 托收 4. statutory a. 法定的，依照法令的 5. credit balance 贷方余额 6. to conveyance vt. 转让,Notes,7. to transfer vt. 转账，转让，划拨 8. repayment n. 付还 9. custody n. 保管 10. subsidiary a. 附属的 11. to remit vt. 汇兑 12. fulfill vt. 完成，实现，履行（AmE
3、also fulfil）,Notes,II. Useful and Idiomatic Expressions 1. to deal in 经营to trade in, e.g. The shop deals in woolen goods. 2. to collect cheques for. 为托收支票所付款项 3. to facilitate the transmission of funds 为资金传送提供方便 4. to compete with. 与进行竞争to rival. 5. to put money into. 将钱存放在 6. to pay interest on. 对支
4、付利息 7. to improve ones houses 对房屋进行装修改造,Notes,III. Key Terms 1. high-street banks （英）指在大城市主要街道开设分行的大型商业银行 2. the Big Four英国指它的四大商业银行The major high-street or main commercial banks in the U.K.（Barclays, Lloyds, Midland, and National Westminster中文为巴克莱、劳埃德、密德兰（米德兰）和国民西敏士银行。Big Four可译成“四巨头”。） 3. estate a
5、gency房地产代理机构（estate agent（英）房地产经纪人=（美）realtor或real estate agent) 4. clearing bank清算银行 5. clearing house票据交换所,Notes,6. clearance of cheques支票的结算 7. jointstock banks(英)合资银行a U.K. bank that is a public limited company rather than a private bank (which is a partnership). In the 20th century, U.K. joint-
6、stock banks became known as commercial banks or high-street banks. 8. lender-of-last resort 最终贷款人，最后放款者（央行职能之一）A countrys central bank with responsibility for controlling its banking system. In China the Peoples Bank of China plays this role.,Main Text,Definition of Bank Bank is an establishment whi
7、ch deals in money, receiving it on deposit from customers, honoring customers drawings against such deposits on demand, collecting cheques for customers and lending or investing surplus deposits until they are required for repayment. Bank is a “deposit-taking” institution or an organization for the
8、custody, loan, or exchange of money, for the extension of credit, and for facilitating the transmission of funds,Main Text,Major Classes of Banks U.S. An independent central bankthe Federal Reserve System or the Fed Commercial banks Investment banks Thrifts or thrift institutions, such as mutual sav
9、ings banks, savings and loan associations and credit unions.,Main Text,Major Classes of Banks U.K. A subsidiary central bankthe Bank of England Commercial banks, such as National Westminster, Barclays, Lloyds, and the Midland which are often referred to in the U.K. as the Big Four or the high-street
10、 banks; Merchant banks, which fulfill some functions of a U.S. investment bank Building societies Clearing banks,Main Text,Chief Functions of Banks Taking time or demand deposits from depositors; Extending loans to individuals, firms, and other organizations; Providing consulting services to the ban
11、ks customers; Making investments in profitable areas; Exchanging money;,Main Text,Chief Functions of Banks Facilitating the transfer of funds in the economy; Making and receiving payments on behalf of the customers; Collecting funds on the cheques presented to the bank by depositors or the customers
12、; Managing the wealth of the customers; Making remittance for customers.,1. What is your definition of bank? 2. Can you tell briefly the major types of banks in the U.S. and in the U.K? 3. Would you like to describe the common functions of banks?,Questions for Chapter 16,This is the end of Chapter 16,Thank you for your attention,